DIY Junior ISA & Child's ISA | The Share Centre

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DIY Junior ISA

If you want to 'pick your own', this is the Junior ISA for you. Choose investments for your child and shelter them from tax. A fixed monthly admin fee keeps everything cost-effective.

Straightforward pricing

fixed monthly admin fee of £1.00 +VAT makes our DIY Junior ISA very cost-effective and ensures that your charges are easy to calculate. No matter how much you invest, it doesn’t change. There's also a choice of dealing options depending on how often you intend to buy and sell, keeping your dealing costs as low as possible.

You keep all the profits

Stocks & Shares Junior ISAs are very tax-efficient compared to normal investment accounts since there's no Capital Gains Tax or further Income Tax to pay on profits.

A lump sum for when they need it most

The money invested in a Junior ISA is released to your child when they reach 18 years old; it can’t be withdrawn before this time. The aim is to give them a head start in adult life: university fees, travelling, a car or maybe even a house deposit. 

Who can open a DIY Junior ISA?

Parents and guardians with parental responsibility can open Junior ISAs for children. This means you must have the legal rights, duties, powers, responsibilities and authority a parent has for a child and the child's property. Once the account is open, anyone can pay in money. 16-17 year olds are also able to open Junior ISAs for themselves.

If you don’t have parental responsibility for the child, you could always open a Junior Investment Account instead.

Invest up to £4,128 this tax year

The Government sets a limit on how much you can invest in a Junior ISA each tax year (from 06 April one year to 05 April the next). This is known as your Junior ISA allowance. It usually increases each year, but there’s no catching up next year if you don’t invest the full amount. It’s a case of ‘use it or lose it’! The Junior ISA allowance 2017/18 is £4,128.

Quick set up, easy to manage

It only takes minutes to open a DIY Junior ISA online. As soon as you transfer some money into the account, you can start investing. Please note that you must pay in a minimum of £100 or set up a monthly direct debit of at least £10 to open an account. Check prices, track performance and manage your account securely online at or over the phone for no extra charge. You can even set alerts and 'stop-loss' limits to automatically sell shares at a price you're happy with.

We’ll send you contract notes, an annual statement, and keep you informed of takeovers and mergers which might affect your investments. Proceeds from any sales will be added to your balance.

Choose your own investments from a wide range

A DIY Junior ISA puts you in control, giving you the freedom to choose, buy and sell your own investments. Your investment choice covers UK markets such as the London Stock Exchange (LSE), the Alternative Investment Market (AIM), ICAP and Funds. Whether you want to buy shares in a FTSE 100 company or invest in a global fund, you can do it with us. We also offer a wide range of international shares.

Share tips and investment advice

Whether you’re new to investing or a frequent trader, we'll give you all the guidance you need to find investments which suit you. As well as offering investment advice for no extra charge, our analysts regularly provide share tips, market reports and views on every FTSE 100 company. Our search tools also make it easy to scan and filter the market efficiently.

Mrs K of Cambridgeshire

Customer feedback

"The setting up of my two Junior ISAs could not have been easier. Also being able to pay by direct debit along with investing this money automatically takes away the worry of keeping an eye on the account all the time."

Mrs K of Cambridgeshire